| Inclusive finance has entered a period of information-based,scientific and technological digital inclusive finance after experiencing the stage of micro-credit,micro-finance and traditional inclusive finance.But so far,digital inclusive finance is still a relatively new concept,the previous research mainly focused on the traditional inclusive financial evaluation index system construction,the impact of various factors on the development of traditional inclusive finance,and the analysis of the role of digital inclusive finance.There are relatively few qualitative and quantitative studies about the role and effect of factors on the development of digital inclusive finance.There are still many problems in the process of digital inclusive finance in China,such as insufficient digital infrastructure construction,low financial literacy of residents,the government’s grasp of the macro environment need to be improved,and the related laws and regulations also need to be improved.After comparing the practice of developing digital inclusive finance abroad,we can find that when other countries develop digital inclusive finance,they have their own advantages at the macro level,meso level,and micro level.Combined with the shortcomings and practices in the development of digital inclusive finance at home and abroad,this paper selects some major influencing factors to study by reference to the methods of other scholars.After theoretical analysis of each influencing factor,the digital inclusive financial index from 2011 to 2018 released by the Institute of Peking University Digital Finance was used as the evaluation index(explained variable)of China’s digital inclusive financial development.Considering China’s vast territory,the economic,political,cultural,and even developmental levels of digital inclusive finance are different in the eastern,central,and western regions.With reference to the classification of statistical yearbooks and the practice of previous scholars,this paper first uses the method of Theil index decomposition and convergence analysis to make a quantitative analysis of the regional development differences of digital inclusive finance.On the basis of using the data to clarify regional differences,a panel model was used for regression analysis on national and eastern,central,and western data.Through research,the following conclusions are obtained: First,there are regional differences in the development of China’s digital inclusive finance,and it is necessary to discuss by region.Second,in the context of the national,the impact of the development level of traditional finance on digital inclusive finance is not significant,and the educational level of residents,the level of government intervention,the level of internet development and other factors have a significant role in promoting the development of digital inclusive finance.Third,when conducting research by region,the significance and positive and negative effects of various factors affecting the development of digital inclusive finance are different in the eastern region,the central region,and the western region.Based on the development of digital inclusive finance at home and abroad and the panel regression results by region,this paper puts forward some policy suggestions accordingly. |
